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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,841 | $54,679-87.5% | $76,119-91.0% | $74,459-90.8% |
| Participation rate | 45.3% | 60.3%-15.0pp | 69.1%-23.7pp | 67.2%-21.9pp |
| Annual return | 19.63% | 31.90%-12.3pp | 361.25%-341.6pp | 1369.70%-1350.1pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,693-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,689 | $3,072-45.0% | $4,259-60.3% | $4,350-61.2% |
| Admin fee / account holder | $832 | $2,238-62.8% | $6,421-87.0% | $1,945-57.2% |